Hard Money Lenders Hawaii – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We provide fast, dependable hard money financing across Hawaii, including Honolulu, Hilo, Kailua, Pearl City, and Kahului. Close your residential or commercial deals quickly with flexible funding options.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Real estate investors and builders across Hawaii rely on hard money lenders Hawaii for fast, reliable financing that helps close deals on time. Whether you’re completing a fix & flip, purchasing rental properties, constructing a spec home, or funding commercial projects, our loans are structured to provide quick access to capital with minimal delays. Residential loans cover 1–4 unit homes, as well as multi-unit and mixed-use properties, while commercial lending supports office buildings, retail centers, warehouses, and other income-producing assets. We fund projects across Honolulu, Hilo, Kailua, Pearl City, Kahului, and neighboring communities, offering statewide access to hard money financing. Approvals are based on project strength and property potential, allowing investors to move quickly without waiting for traditional bank underwriting. With streamlined processes, clear terms, and a team focused on fast execution, our Hawaii hard money lending programs empower investors and builders to expand portfolios, seize opportunities, and complete projects efficiently. Partner with one of the top hard money lenders Hawaii to secure financing for your next investment with confidence.
Hard Money Lenders in Hawaii for Real Estate Investors
As the leading Hard Money Lenders in Hawaii, Hardmoneyman.com LLC lends to real estate investors throughout the state. Specializing in fix and flip loans as well as rental loans, we have closed over 1,000 hard money loans in Hawaii since 1998, making us one of the oldest hard money lenders in the country. Regardless of what part of Hawaii you’re located in, we are the go-to residential hard money lenders in HI thanks to our ability to close quickly.
We pride ourselves on being second to none in understanding all real estate markets that we lend in, and understanding the borrower’s objectives before putting together a loan proposal for them. We offer loan amounts from 50k to 10M.
Our niche is single family to four family residential properties that you are either going to fix and flip or buy and hold as a 30 year rental, or ones that you are building (ground up construction). We will look at 5+ unit apartment buildings that are in need of rehab or are stabilized.
How to Find Hard Money Lenders Hawaii
It doesn’t matter if this is your 1st investment property, or your 100th, we are here to make loans to borrowers with all kinds of experience, let us show you why we are the market leaders as private money lenders.
When real estate investors in Hawaii are in need of fix and flip loans, rental property as well as rental portfolio loans, 5+ unit multifamily bridge and 30-year loans, and ground-up construction loans, it turns out the #1 choice for Hard Money Loans in Hawaii is HardMoneyman.com LLC.
This is where we separate ourselves from other lenders, we underpromise and overdeliver time after time! You speak with a decision-maker on all phone calls and by email (you can even text us too!) not some account executive that is just reading off their product matrix and hoping to fit your loan in their box.
From Honolulu to Hilo, Hardmoneyman.com LLC has helped real estate investors from new to experienced achieve their investment goals. Regardless of your location in Hawaii, Hardmoneyman.com LLC is there to help you achieve your funding needs.
Our quick and efficient process from intake to underwriting to closing, and then draws done in-house with our construction team, make us the market-leading hard money lenders in Hawaii.
Contact us today and discover why we are the premier lender for Hawaii real estate investors.
Don’t make the BIG mistake of trusting just any hard money lender in Hawaii for your deals. Hardmoneyman.com LLC is #1 in the industry for hard money loans in Hawaii for a reason.
We close! It’s that simple.
Hawaii has some of the hottest real estate investing markets like Waikiki, Pearl City, Hilo, Kahului, and Honolulu. HardMoneyman.com LLC has closed loans for rehabs, ground-up construction as well as rentals in all of them!
Here is a great guide to real estate investing for 2022 in Hawaii.
We offer Hawaii hard money loans for the following programs:
Fix and Flip Loans
- 30 Year Rental Loans for Landlords
- Short Term 1 Year Bridge Loans
- Spec Home Construction Loans
- Multi-Family Loans
There are several valuable real estate investor meetings in Hawaii. This is one that we recommend – REIAloha.
We Lend in:
Urban Hololulu, East Hololulu, Pearl City, Hilo, Waipahu, Kailua CDP, Kaneohe, Kahului, Mililani Town, Ewgentry and most of Hawaii
Investment Loan Programs in Hawaii
Hawaii Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Hawaii. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Hawaii Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for Hawaii investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Hawaii 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Hawaii.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Hawaii 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Hawaii.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Hawaii Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Hawaii Commercial Hard Money Loans
Financing for commercial real estate investors across Hawaii, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process